Final expense leads are consumer inquiries related to smaller life-insurance policies commonly marketed for funeral, burial or related end-of-life expenses.
Lead products may be fresh, aged, shared, exclusive, appointment-based or transferred live.
Lead Models
| Product | Main consideration |
|---|---|
| Fresh shared | Speed and competition |
| Fresh exclusive | Price and exclusivity |
| Aged | Cost vs reachability |
| Appointment | Show and qualification rate |
| Live transfer | Immediate agent availability |
Fresh vs Aged
Aged leads may cost substantially less but can involve prior contact attempts and reduced intent.
Separate performance by age bucket rather than combining all leads.
State and Producer Controls
Insurance solicitation and sales are regulated at the state level. NAIC describes producer licensing as applying to individuals who sell, solicit or negotiate insurance, while state regulators also govern marketing conduct.
Lead generation should therefore be separated from licensed product discussion and recommendations.
Economics
Track:
lead → contact → presentation → application → issued → placed/in-force policy
Persistency should be considered alongside initial placement.
Choosing a Vendor
Ask about source, consumer-facing wording, age, prior sale, exclusivity, state filters, appointment definition, recording and replacement rules.